ETF Portfolio Growth Simulator

Build a mix of ETFs and see how it might grow after fund costs and your country's taxes. Prototype, European investors.

€
€

How much ups and downs can you take?

What you could have

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8 in 10 futures land between these lines

Worst case
Best case

Simulation based on 1970–2025 market returns. Not financial advice. Want taxes, ETFs and every detail?

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This is a simulation, not financial advice. Results are estimates based on past market data and simplified tax rules. They may not be 100% accurate and don't predict future returns. Check with a qualified adviser before you invest.

Shortcut

Start with a goal

Pick a question. We do the maths with your country's taxes, then load the answer into the simulator below.

Results

Portfolio value over time

Hover to read values · drag to move · scroll or pinch to zoom

Scroll or pinch to zoom, drag to move along the timeline. The figures above and the income below use the year at the right edge of the chart.

Monthly income from your portfolio

    Details: costs, taxes and your ETFs

    Where your money goes

    Tax rules

      Is a rule wrong or outdated for your country?

      Your ETFs and what they cost

      Save your portfolio and get alerts

      We keep this mix for you and email you only when something changes that affects it.

      • Tax changes in your country, with what they mean for your saved portfolio.
      • Fee cuts and news on the ETFs you hold.
      • New ETFs that could make your mix cheaper.
      • Broker offers available where you live, only if you want them.
      Send me

      Simulation, not advice. Nothing on this page is investment, tax or legal advice, or a recommendation to buy any product. Figures can be wrong.

      Legal notice · Privacy policy · Cookie policy · Terms of use ·

      How this works. Each of 1,000 scenarios builds a future by drawing calendar years at random from real index returns in euros, 1970–2025 by default, or 1999–2025 if you choose. All assets move together within a drawn year, so crashes hit stocks and bonds at once, as they did. Contributions go in at the start of each month. Fund costs (TER) are deducted every year, distributions are taxed and reinvested, and yearly taxes (Germany's Vorabpauschale, Ireland's deemed disposal, Denmark's mark-to-market, Dutch box 3, Swedish ISK and wealth taxes) are paid out of the portfolio. The chart shows the portfolio's value before tax on selling; the tiles also show what you would keep after selling everything. Worst and best case are the 10th and 90th percentile of the 1,000 scenarios: 1 in 10 futures ends below the worst case, 1 in 10 above the best case.

      Limits. Returns are reconstructed from published annual index figures and converted to euros at year-end exchange rates (Deutsche Mark before 1999). Where an index did not exist yet, a close stand-in is used, listed per ETF in the table above; they are approximations, not fund data. TERs are indicative as of November 2026. Tax rules are simplified for a single resident individual with no other investment income: no church tax, no tax-advantaged accounts (PEA, ISA, ASK, IKE, TBSZ), no regional surcharges. Non-euro countries are shown in euros. Pre-1999 figures are rougher than recent ones, and the past is no promise. This is a prototype for exploring, not tax or investment advice; check ETF details on justETF and taxes with your tax authority.